Advertising Disclosure

The Za Guy is a personal finance publication. To keep the content free, we use affiliate and referral partnerships. This page explains exactly how that works, in line with the U.S. Federal Trade Commission's endorsement guidelines.

What an affiliate link is

Some links to products and services on this site are affiliate or referral links. If you click one and then open an account, get approved for a credit card, subscribe, or make a purchase, we may receive a commission or referral reward from the company. This comes at no additional cost to you, and often the offer is identical to — or better than — what you'd get going direct.

How it affects our content

It doesn't change our recommendations. We write about products we believe are genuinely useful. A company paying a higher commission does not buy a better review, a higher ranking, or placement on The Za Guy's Picks. We also write about and recommend products that pay us nothing.

Where we have no affiliate relationship with a product we mention, the link is a normal link and we earn nothing from it.

Offer accuracy

Bonus amounts, APYs, annual fees, and eligibility terms for banks and credit cards change frequently and can vary by applicant. We work to keep information current, but the issuing bank's or institution's own website is always the authoritative source. Confirm every detail there before applying. Offers and terms are subject to change or withdrawal at any time.

Not financial advice

Content on The Za Guy is for general education and entertainment. It is not personalized financial, investment, tax, or legal advice, and no advisor-client relationship is created by reading it. Consider your own situation and consult a licensed professional before acting.

Credit card responsibility

Rewards and sign-up bonuses only make sense if you pay your statement balance in full every month and never carry a balance. Interest charges and fees will wipe out any points value. If credit card debt is a risk for you, skip the cards entirely.

Questions